Happenings – Ray Alliance Financial Advisers

What is a "Critical Illness Protection Gap" ? How do we bridge this gap?

Stranded on an Island

An analogy we created to make financial planning more interesting and easier to understand.

Explaining Underwriting Decisions

In this article, we clarify how underwriting works, terms associated to it, and the outcomes of each decision.

A Simple Guide to Mortgage Loan

Going to purchase a new property or reviewing your current mortgage loan contract? Here are some pointers to keep an eye out for.

Exploring the World of Unusual Insurance Policies

Bet you've never heard of these one-of-a-kind insurance policies!

Understanding Insurance for Those with Pre-existing Conditions

With our help, you do not need to worry about finding an insurance that best serves your needs.

Rethinking Retirement

In this article, our goal is to inspire you to re-evaluate your retirement plans, so that your retirement is guaranteed to be fruitful and fulfilling.

Insurance Nomination

In this article, we answer the most frequently asked questions about insurance nominations.

Colorectal Cancer in Singapore

What is colorectal cancer and how do we protect ourselves and our loved ones from it?

8 Travel Insurance Facts You Probably Didn’t Know

Don't let your carelessness ruin your trip! Here are 8 lesser-known travel insurance facts every traveller should know.

Executor Essentials

Choosing the right executor can make all the difference in honoring yours or somebody else's legacy.

Guardianship Matters

Planning for the unthinkable isn't easy, but it's one of the most loving and responsible things you can do for your children.

Estate Planning Jargons Explained

Let us help make estate planning less daunting so that you can start your journey!

Demystifying CPF

CPF 101

CPF is no stranger to every Singaporean. But how many are aware of how CPF actually works?

Outsmarting the Urge to Splurge

Ever heard of the Diderot Effect? In this article, we provide tips on how you can beat consumerism and keep your wallet happy.

The Hidden Crisis: Long-Term Care Costs and Planning in Singapore

Singapore's ageing population faces the challenge of managing finances to fund for their later years.

ILPs: Popular again, but what’s the real story?

Investment-Linked Policies (ILPs) are infamous for being costly and complex. However, ILPs may actually be the strongest tool in the shed when used correctly.

Beyond Stocks and Bonds: Rethinking Diversification

In this article, we teach you how to diversify your portfolio effectively to survive in today's volatile world.

When “Covered” Isn’t so Straightforward

A "one-size" fits all insurance does not exist. Hence, we teach you how to discern and choose the insurance that best serves your needs.

Your Pre-Retirement Checklist

Other than CPF, many are unaware of other details they have to take note while planning for retirement. In this article, we remind you of what is important.

16th Jul, 2026 Read Now

Unlocking Investment Opportunities

Tapping into the world of thematic investing, where hidden investment gateways are available for those who spot them.

16th Jul, 2026 Read Now

SRS Illustrated

Not sure of what Supplementary Retirement Scheme (SRS) entails? We break it down in simpler terms for your understanding!

16th Jul, 2026 Read Now

Youth at the Crossroads

As society progresses, youths are now presented with a different set of opportunities and challenges. Read on to understand how best to navigate their finances.

14th Jul, 2026 Read Now

Strategies for a Resilient Portfolio